Union Plus Credit Card

The Union Plus credit card is a financial product designed for members of labor unions. Not just anyone can get this card.

Union members can enjoy a competitive APR.

This card is only available to the following people:

• Dues-paying members of labor unions
• Union members that have retired
• Immediate family members of union members
• Spouses of union members who have died

There are a few exceptions to the family members policy. It does not apply if the related union member is in one of the following unions: Unite Here, AFGE, TNG – CWA, AFSCME, TCU, RWDSU, OPCMIA, AFT, BCTGM, CWA, NABET – CWA, CSEA. The union members themselves are still eligible for the card.

This credit card has some features that are similar to those offered by common corporate credit cards. These include:

• No annual fee
• Fraud protection
• Anytime customer service
• Online account access

It also has some features that are less common, including:

• Hardship protections in case of job loss or strike
• The services of a union member advocate for dispute resolution
• Option to skip a payment twice in any calendar year
• Special savings on Labor Day

There are four different types of Union Plus credit card: Classic, Platinum, Secured and Travel Corporate.

This card includes all of the above features and has a credit limit of up to $5,000. It is the basic card that most Union Plus cardholders have.

This card is an upgrade from the Classic. It has higher credit limit potential and two additional benefits: Price Protection and Purchase Assurance. Price Protection lets cardholders take advantage of sale prices on their purchases. If they buy an item and the price drops within 60 days they can get a refund of the difference. Purchase Assurance allows for replacement of an item that is damaged or stolen within 90 days of purchase.

This card is available to people with interest-bearing savings accounts only. They can borrow anywhere from $250 to $5,000 if they agree to keep a sum equal to the amount they borrow in the savings account. It’s good for people with no established credit and for those that wish to improve their credit rating.

This card is designed for union leaders. It’s meant to be used to pay for corporate travel expenses and other union costs only. This card comes with travel insurance, baggage protection and worldwide customer service. Card holders can get five expense reports per month to help them with their accounting.

Eligible people interested in obtaining a Union Plus credit card can apply for the first three card types online. Anyone who wants to apply for a Travel Corporate card must call 1-888-428-6466 or send an email to corpcard.requests@us.hsbc.com.

Note that receipt of a card is subject to credit approval. People with less than stellar credit histories should apply for the secured card. If the application is successful, the new cardholder will receive a card in the mail within two weeks.

This credit card is issued by HSBC Bank and is available only to United States residents that are 18 or older. It is available as either a Visa or a MasterCard. It has a variable rate that is based on the Wall Street Journal Prime rate. Cardholders can get cash advances at any ATM on the Cirrus network using this credit card. They will be charged a cash advance fee.

If this credit card is stolen or lost, the card holder should call 1-800-651-5116 as soon as possible to have the card canceled and get a new one issued.

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